Question and Answer Guide

The Bank of Union, El Reno, OK

The following list of responses to frequently asked questions may assist you in understanding what is happening at The Bank of Union.

On Friday, January 24, 2014, The Bank of Union, El Reno, OK was closed by the
Oklahoma State Banking Department. The Federal Deposit Insurance
Corporation (FDIC) was then named Receiver. Subsequent to the closure,
BancFirst, Oklahoma City, OK acquired all the deposits and substantially all the assets of The Bank of Union from the FDIC as Receiver. All shares of stock were owned by the holding company, which was not involved in this transaction.

YOUR MONEY IS SAFE! No one lost any money on deposit as a result of the closure
of this bank. All deposits, regardless of dollar amount, were transferred to BancFirst.

ACCESS TO YOUR MONEY: You may continue to use your outstanding checks, and they will clear up to the balance in your account. Your ATM/Debit card will continue to work as usual. The total balance in your account(s), including checking, savings, money markets, non-brokered Certificates of Deposit, and retirement accounts, has been transferred to BancFirst and will be available for transactions during regular business hours at the former bank branches.

AUTOPAYMENTS/BILLPAY/ONLINE BANKING: These services will continue as usual. Your routing number and account number will remain the same until you are notified in writing by BancFirst.

INTEREST RATES: Interest on deposits accured through close of business on January 24, 2014 will be paid at your same rate. The Bank of Unions rates will be reviewed by BancFirst and may be lowered; however, you will be notified in writing of withdrawal penalty until you enter into a new deposit agreement with BancFirst.

BROKERED DEPOSITS: As an All-Deposits Transfer transaction, the total of all deposit accounts, excluding the Cede & Co. deposits, have been assumed by BancFirst. If you are a customer who has a Bank of Union deposit through a broker, you must contact your broker with any questions.

TAX REPORTING – 1098 AND/OR 1099: BancFirst will be responsible for mailing your 1099 tax information. Your 1098 reporting will be done by the FDIC or the servicer of your loan. You will be notified of any changes in ownership or servicing of your loan.

SAFE DEPOSIT BOXES: You may continue to access your safe deposit box during
normal business hours. Any changes will be communicated by BancFirst.

OVERDRAFT LINES OF CREDIT: These lines have been transferred to BancFirst. Please contact BancFirst if you have additional questions regarding your accounts.

LOAN PAYMENTS: You should continue to make your payments
according to the terms of your written contract. You may continue to make your
payments at the branch office or send them to the same payment address with checks made payable
to The Bank of Union.

ESCROW PAYMENTS: All services previously performed related to your loan will
continue. Should you receive notification that any portion of your taxes or
insurance was not paid, notify your loan officer immediately.

LOANS IN PROCESS: Please contact your current loan officer directly.

SHARES OF STOCK: All shares of stock were owned by the holding company, Union City Corporation, El Reno, OK. The holding company was not included in the closing of the bank or the resulting receivership. If you are a shareholder of Union City Corporation, please do not contact or file a claim with the receiver. You must contact the holding company directly for more information:

DEPOSIT INSURANCE INFORMATION: If you have accounts in both the failed bank and
BancFirst, they will be insured separately for at least six
months following the merger of the banks. This will allow you time to
restructure your accounts if necessary.

ADDITIONAL QUESTIONS: You may contact the FDIC Call Center at the number provided
below with any additional questions:

SCAMS:Be watchful for and resistant to any scams to
obtain information from you by individuals or entities stating that they are
acting on behalf of either
the failed bank, new bank, or the FDIC. Should you be contacted by anyone requesting
personal information from you related to this event, please contact the call
center above to report the incident.